Your own interests
Once you’ve positively answered that all important question, “am I actually ready to retire?” you can look forward to life as a pensioner: time to relax, travel, spend more time in the garden, get the golf handicap down, volunteer in the local community, or do any number of other activities that you have always been wanting to do. Many of those in retirement talk of being busier than ever with all their new commitments!
Are your financial plans adequate to allow you to fulfil your plans for retirement? You also need to consider and plan for other circumstances that may arise, such as long term care or house modifications as you get older.